Supporting customers and communities since 1864.

Community Reinvestment Act (CRA)

The Community Reinvestment Act (CRA) was created in 1977 to encourage banks and other financial institutions to meet the credit needs of their whole community – including small farms, small businesses and low- and moderate-income individuals. Revitalizing communities through sound lending and business practices benefits banks and also the communities they serve.

Providing better access to financial resources to low- and moderate-income individuals and small businesses is an integral part of our Corporate Social Responsibility (CSR) efforts. Our national CRA Community Advisory Board and Regional CRA Market Councils provide regular feedback and invaluable insight into the most pressing needs of our communities.

Through our CRA program we:

• Expand access to housing, support economic development and economic opportunity, and improve financial capability and stability.
• Serve our clients with CRA-specific retail and mortgage products, loan assistance and financial literacy/homebuyer’s education.
• Recruit and train high-performing, diverse CRA mortgage lenders.
• Provide ongoing CRA sales and product training to mortgage team.
• Participate in offering appropriate local and state bond and subsidy programs to our clients.
• Continue to review our internal CRA product offerings for potential enhancements.
• Host Affordable Housing Symposia in our largest markets.
• Partner with key community stakeholders to collaborate on serving the needs of LMI communities and small businesses in our footprint.

How do we demonstrate our commitment to the local economies we serve? We invest in them.

• We provide over 7,000 jobs throughout our footprint.
• We are committed to diversity, equity and inclusion through four strategic priorities – workforce, workplace, marketplace and community.
• We donate time, energy and expertise through our Associate Volunteer Program. In 2023, our associates provided ~27,000 hours of volunteer service.
• We provided community development loans and investments totaling more than $460 million in 2023.
• We have invested to date $150 million in non-profits across our communities, through the First Horizon Foundation and the Louisiana First Horizon Foundation, positively impacting the lives of millions.
• We also offer associates leadership grants and matching gifts through the Foundations to further reward organizations where our associates invest their time. 

This website includes the bank’s CRA Public File which is required to be made available for public inspection under the Community Reinvestment Act (CRA). We provide website access for you to review this information at your convenience.

The following documents are maintained in the Public File and are current as of April 1st of each year:

• All written comments received from the public for the current year and the two prior calendar years that specifically relate to the bank's performance in helping to meet community credit needs and responses to the comments by the bank.
• A list of census tracts in the counties and cities we serve which are included in our assessment areas:
  Alabama | Arkansas | Florida | Georgia | Louisiana | New York | North Carolina | South Carolina | Tennessee | Texas | Virginia
• A copy of First Horizon Bank's most recent CRA Public Evaluation.
• A list of banking centers opened and closed by the bank during the past two calendar years.
• A list of banking centers, street addresses, geographies, services and hours of operation.
• A list of loan and deposit products and schedule of fees generally offered at the bank's centers.
• First Horizon Bank's CRA Public Disclosure Statements for the two prior calendar years:
  CRA Public Disclosure for 2021 and 2022

The Home Mortgage Disclosure Act (HMDA) data is publicly available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s website.